If you’re planning to hit the open road in an RV, there’s one important thing you need to take care of before setting out on your adventure: insurance. Just like your car, your RV will need to be properly insured to protect you from financial liability in the event of an accident.

But what exactly does RV insurance cover? And how much will it cost? All Around Insurance Agency in Katy, TX provides this guide to help you plan your RV insurance coverage.

RV Insurance: What You Need To Know

1. What Does it Cover?

Most basic RV insurance policies will cover liability, which means that if you cause an accident, your insurer will help pay for the damages. This generally includes both property damage (like repairs to other vehicles) and bodily injury (medical bills for you and other people involved in the accident).

In addition to liability coverage, many RV insurance policies also include comprehensive and collision coverage, which will help pay to repair or replace your RV if it’s damaged in an accident. You may also want to consider adding on other types of coverage, like personal belongings insurance, which will help protect the contents of your RV if they’re damaged, lost, or stolen.

2. How Much Does RV Insurance Cost?

The cost of RV insurance varies depending on several factors, including the value of your RV, the type of coverage you’re looking for, and where you live. However, you can expect to pay anywhere from a few hundred to a few thousand dollars per year for basic RV insurance coverage.

3. There are Different Types of RV Insurance

There are different types of RV insurance, each with its own benefits. The type of insurance you need will depend on the type and value of your RV, as well as how you plan to use it. For example, if you’re using your RV for occasional weekend getaways, you might not need the same level of coverage as someone who’s living in their RV full-time.

4. You Might Need Specialized RV Insurance Coverage

If you have a particularly valuable RV or plan to use it for business purposes, you might need specialized insurance coverage that’s not included in a basic policy. For example, if you’re using your RV to transport goods or offer services, you’ll need to ensure you have the appropriate commercial insurance coverage. You might also need to insure your RV for its full replacement value if it’s especially valuable or custom-made.

5. Don’t Rush into Buying RV Insurance

While it’s important to have RV insurance before hitting the open road, don’t rush into buying a policy just to get it over with. Take some time to compare different policies and insurers to find the coverage that’s right for you at the best price.